Progressive pros

  • Holds the largest share of the commercial auto insurance market 
  • Offers a multitude of discounts to commercial customers
  • Provides online quotes and policy sales for some businesses

Liberty Mutual pros

  • Offers industry-specific coverage packages
  • Has fewer complaints than many competitors
  • Provides a set of tools and other resources for small businesses

How Progressive’s market share compares with Liberty Mutual’s

Progressive is the largest commercial auto insurance company by market share. As of March 2025, Progressive has just under 15% of the total market for commercial car insurance, according to the National Association of Insurance Commissioners (NAIC), the standard-setting and regulatory support organization overseen by the country’s top insurance regulators. Liberty Mutual is the fourth-largest insurer, with 3.8% of the market, according to the NAIC.

How Progressive’s direct premiums written compares with Liberty Mutual’s

Progressive has $10.8 billion in direct commercial auto insurance premiums written as of March 2025; Liberty Mutual has about $2.8 billion. 

How Progressive’s NAIC complaint data compares with Liberty Mutual

When evaluating commercial car insurance companies, it’s a good idea to check the NAIC complaint index. The complaint index tracks the number of complaints an insurer receives compared to its market share.

An index of 1.0 means the company receives the expected number of complaints for its size. A score above 1.0 means it receives more complaints than expected, and a score below 1.0 means it gets fewer complaints.

In 2024, Progressive’s NAIC complaint index was 0.87 and Liberty Mutual’s complaint index was 0.71. Both companies received fewer complaints than expected for their size, but Liberty Mutual has a slightly lower number of complaints.  

How Progressive’s AM Best rating compares with Liberty Mutual’s

One of the most important considerations when choosing a commercial auto insurance company is financial stability. Before you pick an insurer, it’s a good idea to check its rating from AM Best, a credit rating agency that grades insurance companies on their ability to meet financial obligations and pay claims. 

Progressive's financial strength rating is A+, which is considered “superior, " as of April 2025. Liberty Mutual’s AM Best rating, as of August 2024—its last rating—is A, which is in the “excellent” category. 

How Progressive’s rates compare with Liberty Mutual’s rates

The average Progressive commercial auto customer spends between $257 and $270 per month on commercial auto insurance, according to the company’s website. That’s about $3,084 to $3,240 per year. Liberty Mutual doesn’t advertise its commercial auto insurance rates online. To get a rate quote, you’ll have to speak with an agent.

But note: Commercial car insurance premiums are different for every business. Rates depend on a variety of factors, like your location, coverage options, vehicle types, driving history and industry.

To give you an idea of how much your insurance might cost, Insureon, a small-business insurance agency, says the average cost for a commercial auto policy is $147 per month, or $1,762 annually.

Can I buy a Progressive policy online?

Progressive offers instant online quotes for commercial auto insurance. Depending on your business, you might also be able to purchase a Progressive commercial auto policy online. If you’re unable to buy coverage through the website, you can call (888) 806-9598 or contact an independent agent to get started.

Can I buy a Liberty Mutual policy online?

Liberty Mutual partners with insurance marketplace Tivly to allow customers to request a quote online, but you’ll need to wait for an independent agent to call you back to complete the process. You can also call Liberty Mutual at (844) 925-1272 to speak with an agent directly.

Types of coverage Progressive offers

Progressive mostly offers standard commercial car insurance policies. Here are the types of coverage available:

  • Liability: Pays up to $1 million for injuries to others as well as damage to other cars or property when your driver is at fault for the accident.
  • Collision: Pays to repair or replace your vehicle if you hit another vehicle or object.
  • Comprehensive: Pays to repair or replace the vehicle if it is damaged by something other than collision, such as vandalism, fire or storm damage. 
  • Uninsured/underinsured motorist (UM/UIM): Pays for damage and injuries when another party hits you but doesn’t have any or enough liability insurance to cover the loss. 
  • Medical payments: Pays for medical bills incurred by your driver or passengers regardless of fault. 

You can also ask about add-on policies, like towing insurance, roadside assistance, gap insurance or rental car coverage. You can speak to an agent to find out what endorsements are available in your state.

Types of coverage Liberty Mutual offers

A basic commercial auto insurance policy from Liberty Mutual covers the following:

  • Liability: This pays for injuries to others as well as damage to other cars or property when your driver is at fault for the accident.
  • Collision: This pays to repair or replace your vehicle if it strikes another object, overturns, rolls or is in a collision with another vehicle where your driver is at fault for the accident.
  • Comprehensive: This pays to repair or replace the vehicle if it is damaged by something other than collision, such as vandalism, fire or storm damage.
  • Medical payments: This pays for medical bills incurred by your driver or passengers regardless of fault.
  • Uninsured/underinsured motorist (UM/UIM): This pays for damage and injuries when another party hits you but doesn’t have any or enough liability insurance to cover the loss. 

You also may be able to add endorsements, like roadside assistance, gap insurance or rental car coverage. You can speak to a Liberty Mutual agent to find out what add-on coverages are available based on your location and business type. 

Types of commercial vehicles Progressive covers

Progressive covers a wide range of commercial vehicles, including:

  • Passenger vehicles
  • Vans
  • Light trucks
  • SUVs
  • Dump trucks
  • Tractor trailers
  • Pickup truck utility trailers
  • Dump body trailers

Types of commercial vehicles Liberty Mutual covers

Liberty Mutual covers many of the same vehicles that Progressive covers. Some examples of business vehicles that are covered include:

  • Business cars
  • Light trucks
  • SUVs
  • Vans
  • Dump trucks
  • Construction vehicles
  • Tractor trailers
  • Food trucks
  • Pickup truck utility trailers

Who should get Progressive’s policy?

Progressive is an excellent commercial car insurance company to consider if you want to take advantage of discounts. Progressive offers a variety of savings opportunities, including a telematics-based rewards program, called Snapshot ProView, which can help you save between 8% and 20% on your premium if you enroll three or more vehicles.

Progressive offers other benefits to policyholders, including flexible payment plans, 24/7 customer service and trained claim representatives. It’s also one of the few commercial auto insurance companies that has online quotes and policy sales – for select businesses. You can manage your policy and adjust your coverages through an online customer portal. 

However, it’s worth noting that Progressive might have more expensive rates than other commercial car insurance companies. Progressive’s average premiums are much higher than the U.S. national average premium based on Insureon’s data.

Who should get Liberty Mutual’s policy?

Liberty Mutual can be a good choice for business owners with a large fleet of commercial vehicles. The company offers robust coverage options and industry-specific insurance packages to protect businesses in various industries, including construction, manufacturing, restaurants and professional services.

Liberty Mutual has resources to help you develop fleet safety programs, improve driver safety and more. The company also has an efficient claim process that uses virtual appraisals, advanced analytics for legal bills and litigation management to get your claim resolved as quickly as possible.

However, Liberty Mutual’s website has limited capabilities compared to Progressive. You can’t get an instant rate quote online or purchase a policy through the website.